National Life GroupReviews of nationallife.com

I purchased term life insurance policies from National Life Group (NLG) in 2024—a $500K policy for myself and a $90K policy for my son. I paid every single monthly premium on time, without fail. In August 2026, my 18-year-old son was tragically murdered. He was my only child. When I turned to NLG in my darkest hour, expecting the financial security they promise, I was met with cold, corporate cruelty. Because my son was killed just three weeks shy of the policy's 24-month mark, NLG invoked their "two-year contestability period" clause. They are contesting a dead child's policy, weaponizing a 3-week timeline gap to delay my payout by up to a year. As a single mother navigating unspeakable grief, I was forced to pay for my son's funeral entirely out of pocket. To make matters worse, NLG's internal processes are utterly broken. I submitted all the required paperwork via email a month ago. Today, NLG claimed they never received it because their third-party contractor, Diligence, failed to forward it. After weeks of going in circles with incompetent customer service, dodging responsibilities, and facing a total lack of empathy, I had enough. Today, I canceled my own $500K policy with NLG. The core purpose of life insurance is to provide peace of mind and guaranteed security when a loved one dies. NLG did the exact opposite. They took my money faithfully, but when it came time to honor their end, they magnified my agonizing pain with broken processes, incompetent contractors, and zero responsiveness. If you want a company that protects your family when tragedy strikes, look elsewhere. NLG will abandon you when you need them most.

If you wanna buy an insurance, it’s ok. IT IS NOT A INVESTMENT. lol…🤡

I guess I'm not surprised to see their low star rating. This company is no good the policy I lost the policy I bought and paid for for over 20 years, I was told when I purchased the plan that the monthly amount was guaranteed not to change, now years later they want triple and quadruple the price that I originally got the policy for. This is not a term policy it's universal life and I guess that's why those aren't sold that much anymore. This company is a joke though because I keep trying to get information from the agent and the company about exactly what's going on exactly what amount of money will save the policy and I get different answers from everyone. This kind of crap should be illegal.

We were trying to withdraw/do a surrender request with NLG and it has been a very frustrating, d*mning process! 1. Submitted request - Nov 2025 2. We keep getting emails saying they received it and will work on it 3. 1-2 months later sent us e-mail saying they needed our signature AND position in our company, which we supplied. 4. They kept coming back to us saying they needed the following: wet signature, new signature with my position in the company, another signature, the position should be placed in a specific location with the signature, etc...ALL THE BS! 5. We had a dozen calls to their call center and most would say their notes indicate we did not submit anything! 6. Finally, after 6-7 months, on our last call we were given a response saying just wait for our money to be sent to our bank within 4-5 bus days 7. With my last call just less than an hour ago with another agent and she said they did not receive anything from us? And thus, we're back to friggin' square one! It's going to be a year now in 2 months and yet nothing! This company earned money from us but now that we are surrendering, they won't give anything back! A bunch of thieves or con people if you ask us!

As an agent and policy holder, it is important to know the proper way to design NLG for maximum cash accumulation and protection. So far, my policy and my clients policies for the past 3 yrs has been performing the way they should be.

My experience with National Trust Group has been extremely disappointing. Representatives came to my school and presented this investment to me and several colleagues as a safe option. We were told we could earn approximately 8% interest while protecting our original investment. Based on those representations, I invested $20,000 more than seven years ago. Over that entire period, my investment has earned only about $1,000 in total interest. That result is nowhere near the returns I believed I was being promised. Even a standard high-yield savings account earning around 4% would likely have produced significantly better returns while still allowing easier access to my money. In my opinion, the potential gains were overstated, and the actual performance did not match the way the investment was presented. I strongly encourage anyone considering doing business with National Trust Group to carefully review all fees, restrictions, surrender terms, guarantees, and projected returns in writing before investing. Speak with an independent, licensed financial adviser who is not affiliated with the company. Based on my experience, I would not recommend National Trust Group.

Thivery at its finest. The representative didn't explain the subtle details. I feel like I been taken advantage of by professional thieves. I invested $4800 last year. My policy is worth $2800. I inquired about withdrawing some money for an unexpected emergency. They informed me that I could only withdraw $186. If I closed my account all I'd get is $186. God damned thieves. I detest this company and I hope they burn..

They charger me more that the agreed premium price. I emailed them to cancel immediately, but got absolutely no response. They just took my money and disappeared.